NASDAQ
NWBI
Last Price
US $15.35
KEY FIGURES
MKT CAP
$2.2B
EPS
TTM
$0.91
PEG
TTM
3.61x
P/E
TTM
16.06x
P/S
TTM
2.53x
YIELD
5.28%
GROWTH
Revenue Y/Y
9.27%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $15.35
-28.73%
Default assumptions
EBITDA Multiple
Fair Value
Market $15.35
-58.05%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Northwest Bancshares, Inc. cash flow to debt ratio of 34.38% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial stability - Healthy cash flow growth.
Northwest Bancshares, Inc.'s free cash flow has increased 13.10% from $125.36M last year to $141.78M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Northwest Bancshares, Inc.'s debt to equity ratio is 0.31, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial risk - Healthy debt to equity ratio development.
Northwest Bancshares, Inc.'s debt has increased relative to shareholder equity from 0.28 last year to 0.31 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
Northwest Bancshares, Inc. has a net debt to EBITDA ratio of 1.29x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Northwest Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Northwest Bancshares, Inc.'s profit margin has increased (10.90%) in the last year from 13.30% to 14.75%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Northwest Bancshares, Inc.'s short-term liabilities of $13.94G exceed its short-term assets of $1.88G, signaling financial risk
Decreasing performance - ROA.
Northwest Bancshares, Inc.'s return on assets of 0.79% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Northwest Bancshares, Inc.'s return on equity of 7.30%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Northwest Bancshares, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Northwest Bancshares, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Northwest Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Northwest Bancshares, Inc. has a free cash flow yield of 6.40%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Northwest Bancshares, Inc.'s yearly earnings has increased 25.66% since last year from $100.28M to $126.01M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Northwest Bancshares, Inc.'s yearly revenue has increased 16.30% since last year from $754.09M to $876.99M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 4.96% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Northwest Bancshares, Inc.'s 3-year revenue CAGR of 16.28% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Northwest Bancshares, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Northwest Bancshares, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Northwest Bancshares, Inc. is overvalued relative to its fair value price of 10.94 based on Discounted Cash Flow model
Undervalued - Earnings yield.
Northwest Bancshares, Inc. has an earnings yield of 5.99%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Northwest Bancshares, Inc. is overvalued relative to its fair value price of 6.44 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Northwest Bancshares, Inc. has an EV/EBITDA ratio of 14.45x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
Northwest Bancshares, Inc. has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
Northwest Bancshares, Inc. has a price-to-book ratio of 1.17x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Northwest Bancshares, Inc. has a price-to-sales ratio of 2.45x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
7.30%
Return on equity
ROIC: 4.96%
Valuation History
16.1X
Price to Earnings
EV/EBITDA: 14.4X
Cash flow
Profit margin
11.14%
(FY vs FY)
Cash flow Y/Y
2.04%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.